After the Spring Festival, everyone has slowly started to work, and the new year has begun to look at the old CP Super Mary 6 vs Darwin 6.
What is the difference between the main insurance liability of the two products? What are the liabilities of the riders? Which product is more cost-effective? Let's take a look at them one by one!
This review is divided into three parts:
First, Super Mary No. 6 VS Darwin No. 6 critical illness insurance comparative analysis, what is the difference between the mandatory responsibilities?
Second, Super Mary No. 6 vs Darwin No. 6 Critical Illness Insurance, what is the difference between optional liability?
Third, Super Mary 6 and Darwin 6 critical illness insurance, which product is more cost-effective? Summary of recommendations for purchasing critical illness insurance
According to the basic comparison information of the two products, we will disassemble the guarantee in the vernacular:
1. The basic rule difference between Super Mary 6 and Darwin 6
The basic insurance rules of Super Mary 6 and Darwin 6 are almost the same, the difference is that: 41-45 years old super Mary 6 is 100,000 more insured, 46-50 years old insurance Darwin 6 is 50,000 more insured, here you can choose according to the age of insurance and your own sum insured needs.
2. The difference between the mandatory responsibilities of Super Mary 6 and Darwin 6
The number of types of diseases and the number of benefits and the number of benefits for serious illness + mild illness + moderate illness are almost the same, the difference is that Darwin No. 6 includes the "Critical Illness Recovery Fund" in the mandatory responsibility, while Super Mary No. 6's "Critical Illness Recovery Fund" is an optional responsibility that is more flexible.
The difference between the two products of responsibility is that Super Mary 6 can also be repeatedly compensated for the same kind of serious illness, while Darwin 6 can only guarantee the compensation of different kinds of serious illness. There is also a special threshold to pay attention to, Darwin 6's liability for recovery from serious illness limits the time of the first and second serious illness diagnosis before the age of 60, while Super Mary only limits the time of the first diagnosis to be before the age of 60, and the time of the second diagnosis of the serious illness is reached to meet the interval condition to pay the unended age limit. In terms of the protection of the recovery fund for serious illness, the coverage of Super Mary 6 is even greater.
The basic comparison information of the two products is as follows:
Super Mary 6 and Darwin 6 split up in terms of optional responsibilities:
1, disease care fund / serious illness additional compensation (optional), both products have additional, but in the payment of Super Mary No. 6 performance is better, first of all, the proportion of compensation, Darwin No. 6 before the age of 60, the first 5 years after the insurance diagnosis of the first confirmed serious illness additional compensation is 80% of the sum insured, equivalent to discounting, the second is Super Mary No. 6 There is also a 20% insurance amount of the first confirmation of the intermediate illness additional compensation before the age of 60.
Super Mary 6: Before the age of 60, the first confirmed serious illness will pay an additional 100% of the sum insured, and the first confirmed moderate illness will pay an additional 20% of the sum insured.
Darwin No. 6: Before the age of 60, the first time a serious illness is diagnosed, if it is diagnosed in the first 5 years after insurance, an additional 80% of the sum insured will be paid, and only after 5 years of diagnosis after insurance can an additional 100% of the sum insured be paid.
2, malignant tumor severe medical allowance / malignant tumor multiple compensation (optional), the two products for cancer additional protection is different, from the number of claims seems to be Darwin No. 6 is good, but from the perspective of restrictions, super Mary No. 6 interval is short of 365 days, including (continuous / new / recurrence / metastasis), the maximum compensation of 3 times. Darwin No. 6 is only included in the first payment (continuous/new/recurrence/transfer), and the second and above only pays new/transferred, requiring an interval of 3 years, which greatly reduces the cost performance of the guarantee.
Super Mary No. 6: Continuation of the No. 5 malignant tumor severe medical allowance, or in the form of a subsidy as a guarantee. Confirmed malignancy - severe, 365 days apart, still in a malignant neoplasm - severe state (including persistent/new/recurrence/metastases) and treated, followed up or re-examined, paying 40% of the basic sum insured, once every 365 days, up to a maximum of 3 times.
Darwin No. 6: Malignant tumor multiple claims, unlimited number of claims, but there are threshold conditions, explain: first pay: if the first cancer, after 3 years, the cancer is diagnosed again, pay 100% of the sum insured; the first non-cancer, 180 days later, the cancer is diagnosed, pay 100% of the sum insured, including new onset/recurrence/continuation/metastasis of the cancer. Second and above benefits: If the cancer is new/metastasized 3 years after the previous cancer is diagnosed, 100% of the sum insured will be paid for an unlimited number of times.
3, specific cardiovascular and cerebrovascular secondary compensation (optional), this optional responsibility is Darwin No. 6 only has, men can pay attention to. However, it should be noted that the two optional responsibilities of "malignant tumor multiple compensation" and "specific cardiovascular and cerebrovascular secondary compensation" can only choose one of the two, and if these two clauses have to choose one, you can give priority to the malignant tumor multiple compensation liability.
4. Others: Insured waiver (optional), death and total disability (optional), the two protections of the two products are almost the same, and the two products that are currently exempt from liability of the insured are not on, and look forward to the follow-up.
The main security differences between Super Mary 6 and Darwin 6 have been disassembled in detail, and now let's see which product is more cost-effective. From the perspective of the premium calculation table, the price difference between the two products is basically not large, but Super Mary 6 makes the price lower, and the cost performance of the product terms is better.
The premium calculation pairs for the two products are as follows:
Judging from the previous responsibility disassembly, the two products are currently very good serious illness insurance, and everyone can choose the corresponding products according to their favorite points:
1, just look at which product is more cost-effective: choose Super Mary 6
2, the value of serious illness recovery gold: choose Super Mary No. 6, the same kind of serious illness is also guaranteed, and Darwin No. 6 can only guarantee the responsibility of different kinds of serious illness.
3, the focus on cancer protection: choose Super Mary No. 6, cancer medical allowance compensation threshold is relatively low, and the price is also cheaper.
4, look at the center of cerebrovascular secondary compensation: choose Darwin No. 6, can be attached as optional responsibility.
5, want to protect until the age of 70: choose Darwin No. 6.